Apply on your phone
Enter how much you need and the loan term. Add your BVN, a selfie, and your bank details. The whole form takes around 4 minutes.
For Nigerian SMEs
Working capital, in your bank account today
Apply in 4 minutes on your phone. Verify with BVN. If approved, the money lands in your bank in 30 seconds — through a regulated, transparent Nigerian lender.
Three steps
Application to bank account in minutes
Get a decision
Our lender partners review applications continuously. Most decisions come back within an hour during business hours.
Receive the funds
On approval, money is pushed straight to your nominated Nigerian bank account in 30 seconds — no hidden processing wait.
Why borrowers trust YT Finance
Regulated. Transparent. Built for Nigeria.
BVN verifiedEvery borrower, every loan
NDPR compliantYour data, encrypted
Clear pricingNo surprise fees
Human supportWhatsApp 9am–6pm
Frequently asked
Borrower questions, answered.
How much can I borrow?
First-time borrowers typically qualify for ₦100,000 to ₦2,000,000. As you build a repayment history, lenders on YT Finance can extend up to ₦10,000,000 on longer terms.
What documents do I need?
Your BVN, a clear selfie, and a 3–6 month bank statement linked through Mono. For larger tickets, lenders may ask for proof of business registration.
How is my interest rate set?
Each lender on YT Finance sets their own rates. You'll see the monthly rate, total cost, and repayment schedule before you accept the offer — no fine print added later.
What happens if I miss a repayment?
You'll get a friendly SMS and WhatsApp reminder. If you're going to be late, message your lender — most are willing to reschedule once. Repeated misses are reported to credit bureaus and affect future borrowing.
Is my data safe?
Yes. All sensitive data is encrypted in transit and at rest. We're aligned with the NDPR and never sell your data. See our security posture for the full detail.
Get the working capital your business needs
Apply in 4 minutes. Decision usually inside an hour. Funds in 30 seconds.